Financial crime and sanctions at Pavo

What is banned

The Acceptable Use Policy bans:

• Fraud, money laundering, structuring payments to avoid reporting, and tax evasion.
• Business that breaks US sanctions or comparable sanctions.
• Any business on Stripe’s restricted list.
• Personal transfers, gifts, allowances, loans and loan repayments.
• Paying yourself, cash advances and moving money back and forth between accounts.
• Selling gift cards, stored value or cryptocurrency, or moving money for anyone.

Who checks what

• Stripe sets the identity requirements and verifies sellers before they can be paid out. Pavo’s screens or Stripe’s collect the answers. Stripe screens against sanctions lists.
• Pavo does not run its own sanctions screening and relies on Stripe’s. Sellers confirm in the Terms that they are not on a sanctions list.

What Pavo’s software looks for

• A note on a payment is optional. If a seller writes one on a Tap to Pay or pay link payment, or names a custom line, Pavo refuses it when it reads as a personal transfer.
• It flags a card that looks like the seller paying themselves, money going back and forth between two accounts, and a card used unusually often.
• It asks for extra card checks on some online payments, through 3D Secure.

What Pavo can do

• A person at Pavo can pause a seller’s payouts, ask for proof of a sale or close an account.
• Rules can suspend a seller, for example after repeat disputes.
• Stripe can block payouts on its own.

Pavo does not automatically pause payouts because a payment looks unusual. Sign-ups are not risk-screened before an account opens. When a seller sets up payments, Pavo scores the details, and a high score can suspend the seller and hold payouts for review. Stripe’s requirements apply before payouts.

Reports and requests

To report suspected misuse, use the support form. Law enforcement can write to [email protected] with “Regulatory” in the subject.

Questions about this page? Email [email protected] with “Regulatory” in the subject, or use the support form. Official legal notices go to the registered agent listed on the legal entity page.

All regulatory disclosures

This page describes how Pavo works as of November 3, 2026. It is not legal advice, a legal opinion or a licensing determination. The contract with sellers is the Terms of Service.